Privacy & Refund Policy

1. Privacy Policy

Your privacy is important to us. This section explains how we collect, use, and protect your information when you use DaimaPay.

1.1 Information We Collect

• Phone number used during payment
• Transaction history and airtime purchase logs
• Optional contact information provided through support
• For Reseller/Corporate Account Registration:
  • Full name and contact information
  • Email address
  • Phone number
  • National ID number
  • National ID document images (front and back sides)
  • Organization name (for corporate accounts)
  • Username (for reseller accounts)

1.2 Know Your Customer (KYC) Data Collection

Purpose of KYC Collection:

DaimaPay collects KYC information for legitimate business and regulatory purposes, including:

• Regulatory Compliance: To comply with Kenyan financial regulations and anti-money laundering (AML) requirements
• Identity Verification: To verify the identity of users registering for reseller or corporate accounts
• Fraud Prevention: To prevent fraudulent activities, identity theft, and unauthorized account creation
• Account Security: To ensure account security and protect both users and the platform from fraudulent transactions
• Service Integrity: To maintain the integrity of our services and ensure only legitimate businesses and individuals use our platform
• Dispute Resolution: To assist in resolving disputes and investigating suspicious activities

KYC Data Storage and Security:

• All KYC documents are stored securely in encrypted cloud storage (Firebase Storage)
• Access to KYC documents is restricted to authorized administrative personnel only
• Documents are protected using industry-standard encryption protocols
• KYC data is retained only as long as necessary for regulatory compliance and account management purposes
• We do not share KYC documents with third parties except as required by law or regulatory authorities

KYC Data Usage:

• KYC documents are used solely for account verification and approval processes
• Documents are reviewed by authorized administrators to verify user identity
• Approved accounts are activated only after successful KYC verification
• Rejected registrations may retain KYC data for a limited period for audit and compliance purposes

Your Rights Regarding KYC Data:

• You have the right to know what KYC data we have collected about you
• You can request access to your KYC documents by contacting our support team
• You can request correction of any inaccurate information
• You can request deletion of your KYC data after account closure, subject to regulatory retention requirements
• You have the right to withdraw consent, though this may result in account closure

1.3 How We Use Your Information

• To complete your airtime transactions
• To provide customer support and service follow-ups
• To detect and prevent fraudulent or suspicious activity
• To verify your identity and approve your account registration (KYC process)
• To comply with legal and regulatory requirements
• To maintain account security and prevent unauthorized access

1.4 Data Protection

We use industry-standard security protocols and encrypted connections to protect all transactions and user data. All KYC documents are stored in secure, encrypted cloud storage with restricted access. We do not sell or share your data with third parties, except as required by law or regulatory authorities.

1.5 Cookies & Tracking

DaimaPay may use cookies for traffic analysis and system improvements. These cookies do not store personal details and can be disabled in your browser settings.

1.6 Your Rights

You have the right to request access, correction, or deletion of your data, including KYC documents. Contact us at support@daimapay.com for assistance. Please note that deletion of KYC data may be subject to regulatory retention requirements.

2. Refund Policy

By using DaimaPay, you agree to the terms of this refund policy.

2.1 No Refunds on Successful Transactions

Once airtime is successfully delivered to the provided mobile number, the transaction is considered final and non-refundable. Please confirm the mobile number and amount before submitting payment.

2.2 Failed Transactions

If your M-Pesa payment is successful but airtime is not delivered due to system or network issues, we will either:

• Retry delivery, or
• Issue a full refund to your M-Pesa number within 1–3 business days

2.3 Reporting Issues

To report a failed or incorrect transaction, contact us within 24 hours using your transaction ID via:

• Email: support@daimapay.com
• Phone: +254 117 007396

2.4 Disputes & Investigations

All refund requests will be reviewed on a case-by-case basis. We reserve the right to deny refunds where misuse, fraud, or customer error is evident.